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Why Field Reports Are Important

August 27, 2012

You’ve asked all the right questions, they’ve filled out all the forms, you may even know the building, but do you really know what’s going on inside and out of the buildings you insure? It’s impossible to account for every possible situation and condition applying to a building through questions, conversations, and building history and data. This is what makes field inspections a vital part of the underwriting process. Inspections provide an in-person view of the conditions of a building and the operations it is being used for, by an experienced professional who knows what to look for.  Field inspectors are looking at risks from the insurer’s perspective, making sure that you know what you should, in order to accurately assess the risk to your client. This is particularly important for high-risk occupancies, such as restaurants, woodworkers, and manufacturing facilities.

Without a field inspection, would you have caught these?

                                 

       Kitchen hood and vent                 Refuse storage                                Nonstandard firewall

It is important to keep in mind that clients do not necessarily know building or fire codes, and they may not be trained to recognize hazardous conditions. Even if they see something that they think might be unsafe, they may not realize the importance of sharing that information with their insurance agent or underwriter.

Do you think that your clients would recognize if a sprinkler system valve is shut, if insulation is adequately supported so that it doesn’t impede the operation of their sprinkler system, that hazardous operations in an adjacent building could affect the risk to their own? If the answer is no, it’s easy to see the benefit of field inspections.

WSRB provides field inspections and Commercial Property Reports at no cost for Subscribing Companies and their appointed agents. We also provide a supplemental General Casualty Report for only $75. Any report can be ordered online at www.wsrb.com. If you would like to learn more about our products and services, please contact Tracy Skinner.

Article by: April LaRita Green

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